Strategies Offered

Investment preferences

With bonds

Fund provider

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Global	free	5%	inclusive
Global 20	0.17%	20%	inclusive
Global 40	0.28%	40%	inclusive
Global 60	0.39%	60%	inclusive
Global 80	0.41%	80%	inclusive
Global 100^[1]	0.41%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Switzerland	free	5%	inclusive
Switzerland 20	0.17%	20%	inclusive
Switzerland 40	0.28%	40%	inclusive
Switzerland 60	0.39%	60%	inclusive
Switzerland 80	0.42%	80%	inclusive
Switzerland 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Sustainable	free	5%	inclusive
Global Sustainable 20	0.16%	20%	inclusive
Global Sustainable 40	0.27%	40%	inclusive
Global Sustainable 60	0.38%	60%	inclusive
Global Sustainable 80	0.42%	80%	inclusive
Global Sustainable 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Global	free	5%	inclusive
Global 20	0.40%	20%	inclusive
Global 40	0.41%	40%	inclusive
Global 60	0.41%	60%	inclusive
Global 80	0.41%	80%	inclusive
Global 100^[1]	0.41%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Switzerland	free	5%	inclusive
Switzerland 20	0.40%	20%	inclusive
Switzerland 40	0.40%	40%	inclusive
Switzerland 60	0.41%	60%	inclusive
Switzerland 80	0.42%	80%	inclusive
Switzerland 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Sustainable	free	5%	inclusive
Global Sustainable 20	0.41%	20%	inclusive
Global Sustainable 40	0.41%	40%	inclusive
Global Sustainable 60	0.42%	60%	inclusive
Global Sustainable 80	0.42%	80%	inclusive
Global Sustainable 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Global	free	5%	inclusive
Global 20	0.17%	20%	inclusive
Global 40	0.28%	40%	inclusive
Global 60	0.38%	60%	inclusive
Global 80	0.40%	80%	inclusive
Global 100^[1]	0.40%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Switzerland	free	5%	inclusive
Switzerland 20	0.17%	20%	inclusive
Switzerland 40	0.28%	40%	inclusive
Switzerland 60	0.38%	60%	inclusive
Switzerland 80	0.41%	80%	inclusive
Switzerland 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Sustainable	free	5%	inclusive
Global Sustainable 20	0.16%	20%	inclusive
Global Sustainable 40	0.26%	40%	inclusive
Global Sustainable 60	0.36%	60%	inclusive
Global Sustainable 80	0.40%	80%	inclusive
Global Sustainable 100^[1]	0.40%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Global	free	5%	inclusive
Global 20	0.40%	20%	inclusive
Global 40	0.40%	40%	inclusive
Global 60	0.40%	60%	inclusive
Global 80	0.40%	80%	inclusive
Global 100^[1]	0.40%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Switzerland	free	5%	inclusive
Switzerland 20	0.40%	20%	inclusive
Switzerland 40	0.40%	40%	inclusive
Switzerland 60	0.40%	60%	inclusive
Switzerland 80	0.41%	80%	inclusive
Switzerland 100^[1]	0.43%	99%	inclusive

Strategy	Total Costs*	Equity Weight	Base protection**
VB account (0.65% interest)	free	0%	-
Account Plus Sustainable	free	5%	inclusive
Global Sustainable 20	0.40%	20%	inclusive
Global Sustainable 40	0.40%	40%	inclusive
Global Sustainable 60	0.40%	60%	inclusive
Global Sustainable 80	0.40%	80%	inclusive
Global Sustainable 100^[1]	0.40%	99%	inclusive

* Total costs include the external product costs and the VIAC administration fee. The VIAC administration fee covers custody, administration and transactions and amounts to 0.52% per year. For a given strategy, the fee is charged only on the portion of assets that the strategy invests in equities, real estate, commodities, …, not on the portion of assets that the strategy assigns to the interest bearing savings account. As a result, strategies that invest more into the savings account have lower total costs. The effective administration fee is further limited to a maximum of 0.40% by the fee cap.

** In the event of disability or death, you now receive up to 25% in addition to your pension assets. For every CHF 10’000 of assets invested in securities (calculated on the basis of the previous month), VIAC will provide you with free insurance coverage of CHF 2’500 (max. CHF 250’000) in the event of death or disability (70% – degree of disability). You can find more information in the app under the product VIAC Life.

^[1] Equity only strategies can only be selected in the extra-mandatory segment.

Selection Process

The Vested Benefits Foundation of WIR Bank has applied the following selection criteria to determine the index investments used:

Benchmark

Each index investment is strongly oriented towards an underlying benchmark index. In order to ensure that the individual strategies are globally diversified and sensibly distributed according to asset classes and regions, the appropriate benchmark indices must be selected beforehand. Note that this preselection is not always obvious: For example, the SMI, SLI, SPI and SMIM all reflect the Swiss stock market, but they all differ greatly in terms of diversification and risk/return profile.

Quantitative Characteristics

In order to reflect the preselected benchmark indices as well and as cost-effectively as possible, the following quantitative criteria are used: product fees, trading liquidity, tracking error (deviation from the benchmark), and trading spread. These characteristics are regularly checked and guarantee an optimal and customer-oriented choice of the index investments used.

Tax Influences

In addition to quantitative criteria, tax influences also play an important role. Index funds are a major part of the investments used. These are not traded on the stock exchange and are therefore not subject to stamp duty. In the case of the remaining investment products (ETFs), stamp duty is due, but it is also reduced by VIAC’s intelligent offsetting system (see Academy).

Replication

Last but not least, the type of replication also influences the selection. Where possible, physically replicated funds are implemented. They effectively invest in the stocks of the underlying benchmark index. Investments in synthetically replicating products are avoided if possible since they are exposed to counterparty risk.

Asset List

Name	Details	ISIN	Currency	TER	Factsheet
Liquidity
3a Account	Liquidity WIR Bank	–	CHF	–	–

Bonds Switzerland
CSIMF Money Market CHF	FTSE 3-Month CHF Eurodeposit	CH0031419960	CHF	0.00%	Factsheet
CSIF CH Bonds AAA-AA	SBI AAA-AA	CH0033846350	CHF	0.00%	Factsheet
CSIF CH Bonds Corporate	SBI Corporate	CH0281860111	CHF	0.00%	Factsheet
Swisscanto CH Bonds AAA-BBB 1-5	SBI AAA-BBB 1-5	CH0215803898	CHF	0.00%	Factsheet
Swisscanto CH Bonds Corporate Responsible	SBI Corporate	CH1117196035	CHF	0.00%	Factsheet

Bonds World
CSIF World ex CH Gov. Bonds	CGBI WGBI ex Switzerland	CH0033210086	USD	0.01%	Factsheet
CSIF World ex CH Corp. Bonds	BBG Barcl. Glob. Aggr. Corp. ex CHF	CH0189955260	USD	0.00%	Factsheet
Swisscanto World ex CH Gov. Bonds hedged	FTSE WGBI ex CH hedged	CH0117045317	CHF	0.00%	Factsheet
Swisscanto World ex CH Corp. Bonds Resp. hedged	FTSE World Inv.-Grade Corp. hedged	CH1146980946	CHF	0.00%	Factsheet

High-yield Bonds
CS Global High Yield	BBG Barclays Global High Yield Corp.	LU0340004091	USD	0.12%	Factsheet
CSIF Emerging Market Bonds	JPM EMBI Global Diversified	CH0259132105	USD	0.08%	Factsheet
Swisscanto Emerging Market Bonds hedged	JPM EMBI Global Diversified hedged	CH0398970274	CHF	0.00%	Factsheet
Swisscanto World ex JPY/CHF Infl. Linked hedged	FTSE ex JPY Glob. Infl. Link. hedged	CH0117048352	CHF	0.00%	Factsheet

Equity Switzerland
CSIF SMI	SMI	CH0033782431	CHF	0.00%	Factsheet
UBS ETF SLI	SLI	CH0032912732	CHF	0.20%	Factsheet
CSIF SPI Extra	SPI Extra	CH0110869143	CHF	0.00%	Factsheet
UBS ETF MSCI Switzerland IMI SRI	MSCI Switzerland SRI	CH0368190739	CHF	0.28%	Factsheet
CSIF SPI ESG	SPI ESG	CH0597394516	CHF	0.01%	Factsheet
Swisscanto SMI	SMI	CH0215804714	CHF	0.00%	Factsheet
Swisscanto SPI Extra	SPI Extra	CH0132501898	CHF	0.00%	Factsheet
Swisscanto SPI Responsible	SPI	CH0451461963	CHF	0.00%	Factsheet

Equity Developed Markets
CSIF Europe ex CH	MSCI Europe ex Schweiz	CH0037606552	EUR	0.01%	Factsheet
CSIF US – Pension Fund	MSCI USA	CH0030849712	USD	0.00%	Factsheet
iShares Nasdaq 100	Nasdaq 100	IE00B53SZB19	USD	0.33%	Factsheet
CSIF Canada	MSCI Canada	CH0030849613	CAD	0.01%	Factsheet
CSIF Pacific ex Japan	MSCI Pacific ex Japan	CH0030849654	USD	0.00%	Factsheet
CSIF Japan – Pension Fund	MSCI Japan	CH0357515474	JPY	0.01%	Factsheet
CS Global Dividend Plus	MSCI World	LU0439730705	USD	0.12%	Factsheet
CSIF World ex CH – Pension Fund Plus	MSCI World ex CH	CH0429081620	USD	0.00%	Factsheet
CSIF World ex CH hedged – Pension Fund Plus	MSCI World ex CH	CH0429081638	CHF	0.00%	Factsheet
CSIF World ex CH Small Cap – Pension Fund	MSCI World ex CH Small Cap	CH0214967314	USD	0.09%	Factsheet
CSIF World ex CH Small Cap hedged – Pension Fund	MSCI World ex CH Small Cap	CH0214968353	CHF	0.09%	Factsheet
Swisscanto Europe ex CH	MSCI Europe ex CH	CH0117044658	EUR	0.00%	Factsheet
Swisscanto Canada	MSCI Canada	CH0117044864	CAD	0.00%	Factsheet
Swisscanto US – IPF	MSCI USA	CH0117044732	USD	0.00%	Factsheet
Swisscanto Japan – IPF	MSCI Japan	CH0489405321	JPY	0.00%	Factsheet
Swisscanto Pacific ex Japan	MSCI Pacific ex Japan	CH0117044831	USD	0.00%	Factsheet
Swisscanto World ex CH – IPF	MSCI World ex CH	CH0117044948	USD	0.00%	Factsheet
Swisscanto World ex CH hedged – IPF	MSCI World ex CH hedged	CH0296590281	CHF	0.00%	Factsheet
UBS ETF MSCI EMU SRI	MSCI EMU SRI	LU0629460675	EUR	0.22%	Factsheet
UBS ETF MSCI UK IMI SRI	MSCI UK IMI SRI	IE00BMP3HN93	GBP	0.28%	Factsheet
CSIF US ESG – Pension Fund	MSCI USA ESG Leaders	CH0397628709	USD	0.02%	Factsheet
UBS ETF MSCI Pacific SRI	MSCI Pacific SRI	LU0629460832	USD	0.40%	Factsheet
CSIF World ex CH ESG – Pension Fund Plus	MSCI World ex CH ESG Leaders	CH0337393745	USD	0.03%	Factsheet
CSIF World ex CH ESG hedged – Pension Fund Plus	MSCI World ex CH ESG Leaders	CH0337393851	CHF	0.03%	Factsheet
iShares Global Clean Energy	S&P Global Clean Energy	IE00B1XNHC34	USD	0.65%	Factsheet
Swisscanto US Responsible – IPF	MSCI USA	CH1223932505	USD	0.00%	Factsheet
Swisscanto World ex CH Responsible – IPF	MSCI World ex CH	CH0215804755	USD	0.00%	Factsheet
Swisscanto World ex CH Responsible hedged – IPF	MSCI World ex CH hedged	CH0293345648	CHF	0.00%	Factsheet
Swisscanto World ex CH Small Cap Resp. – IPF	MSCI World ex CH Small Cap	CH1220910934	USD	0.00%	Factsheet
Swisscanto World ex CH Sm. Cap Resp. hedged IPF	MSCI World ex CH Small Cap hedged	CH1221211753	CHF	0.00%	Factsheet

Equity Emerging Markets
CSIF Emerging Markets	MSCI Emerging Markets	CH0017844686	USD	0.09%	Factsheet
CSIF China Total Market	MSCI China	LU1815001406	USD	0.13%	Factsheet
CSIF Emerging Markets ESG	MSCI Emerg. Markets ESG Leaders	LU1587907855	USD	0.13%	Factsheet
Swisscanto Emerging Markets	MSCI Emerging Markets	CH0117044971	USD	0.00%	Factsheet
Swisscanto Emerging Markets Responsible	MSCI Emerging Markets	CH0561458693	USD	0.00%	Factsheet

Real Estate Switzerland
CSIF CH Real Estate	Immobilien Schweiz	CH0036599816	CHF	0.00%	Factsheet
Swisscanto CH Real Estate	SXI Real Estate	CH0117052545	CHF	0.00%	Factsheet

Real Estate World
iShares US Property Yield	Immobilien USA	IE00B1FZSF77	USD	0.40%	Factsheet
CSIF Real Estate World ex CH – Pension Fund	Real Estate World ex CH	CH0217837456	USD	0.01%	Factsheet
Swisscanto Europe ex CH Real Estate	FTSE EPRA Nareit Dev. Europe ex CH	CH0117052586	EUR	0.01%	Factsheet
Swisscanto North America Real Estate – IPF	FTSE EPRA Nareit North America	CH0215804730	USD	0.00%	Factsheet
Swisscanto Asia Real Estate	FTSE EPRA Nareit Developed Asia	CH0117052669	CHF	0.00%	Factsheet

Commodities
CSIF Gold	Gold	CH0209106761	USD	0.09%	Factsheet
Swisscanto Gold	Gold	CH0568725631	USD	0.00%	Factsheet
Swisscanto Commodity	Bloomberg Commodity Index	CH1196925890	USD	0.00%	Factsheet

Alternative Investments
iShares Listed Private Equity	S&P Listed Private Equity	IE00B1TXHL60	USD	0.75%	Factsheet

Strategies Offered

Investment preferences

With bonds

Fund provider

Investment Focus: Global

Investment Focus: Switzerland

Investment Focus: Sustainable

Investment Focus: Global

Investment Focus: Switzerland

Investment Focus: Sustainable

Investment Focus: Global

Investment Focus: Switzerland

Investment Focus: Sustainable

Investment Focus: Global

Investment Focus: Switzerland

Investment Focus: Sustainable

Selection Process

Benchmark

Quantitative Characteristics

Tax Influences

Replication

Asset List

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